For those of you who have attended a Financial Learning Experience in the last year or so, you know I am a fan of Restaurant.com as a great way to save money on dining out.

As they usually do, they offer 80% OFF nearly every other week.  They have just released the latest 80% OFF discount code: BITE

Check out the participating restaurants in your area HERE.

I’m actually redeeming one for a local restaurant in my area for dinner tonight!

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I first wrote about Swagbucks back in November 2008 when I first signed up for the program.  Swagbucks is a search engine just like Google, Ask, or Bing with one key exception – they PAY you to search!!!  Every so often, they reward you with a Swagbuck (or Swagbucks) when you search.  The Swagbuck is their own currency, and they can be redeemed for gift cards or merchandise.

I just redeemed my Swagbucks for another $20 Target gift card.  So far, I have personally earned 389 Swagbucks!  It takes 235 Swagbucks to obtain a $20 Target gift card.  It is FREE money!  YES!

Here is a great feature of this program.  Once you register, you can refer your friends.  For their first 100 Swagbucks, you can earn a matching Swagbuck!

You can check it out and register HERE.

NOTE: We have a TON of additional “Budget Boosters” located on the Next Steps site – I would recommend you start with the Top 5 Lists!

Like everyone else – I LOVE A DEAL!  I wrote the “I Was Broke” part of my book by always paying full price for items.  I was able to write the “Now I’m Not” part by demanding a deal.

I have been learning a lot about obtaining great deals from The Saving Freak.

One way to save money is try out free samples.  A good site to check out is Shop4Freebies (link has expired).

Since Jenn and I are expecting a baby boy in early February, I signed up for a bunch of free diaper samples!

Hope you find some deals!

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I am PUMPED to say that IWBNIN team member “The Saving Freak” was mentioned on The Clark Howard Show yesterday!  More specifically, The Saving Freak’s website – GroceryFreak.com was mentioned.

Congrats Saving Freak – you have saved me and a lot of other people a ton of money on groceries, and you deserve the KUDOS!

If you have a moment, will you go over to GroceryFreak.com (HERE) and congratulate The Saving Freak ?  You might even subscribe to receive each posts FREE in your e-mail (HERE).

We are only 70 days from Christmas!  This is a KNOWN, UPCOMING EXPENSE.  Ignoring known, upcoming expenses is one of the number one reasons that budgets fail.

You have 70 days until Christmas, but really probably only 40 or so to save for it.  Have you committed to pay cash for Christmas this year?  Share your progress!

If you have saved nothing for Christmas so far, what steps are you going to take to avoid debt?

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Related Posts:  SERIES:  Save Money For Next Christmas

We have added yet another “Spectacular” to our SPECTACULAR LIST OF TOOLS (all of them FREE by the way – because we ALL like FREE, right?)

DeAnna e-mailed the IWBNIN team and asked for a Camera Spectacular.  DeAnna, your request is now reality!  Your Savings and Pay-Off Spectaculars for the Canon XSI are now available HERE (Pay-Off Spectacular) and HERE (Savings Spectacular).

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I am excited about GroceryFreak.com, a new website that has been developed by The Saving Freak (a member of the IWBNIN Team).  It is focused on helping you save TONS money on groceries and consumer goods.

The IWBNIN team is passionate about helping you accomplish far more than you ever thought possible with your personal finances.  It drives everything we do.  The Saving Freak is passionate about saving money and teaching others how to do the same.

Check out GroceryFreak.com (or better yet, SUBSCRIBE via RSS or Email) and save a TON on groceries!

NOTE FROM JOE:  The Saving Freak will be teaching about GroceryFreak.com in addition to "how to save money on nearly everything you buy" at the I Was Broke. Now I'm Not. Book Signing/Seminar – TONIGHT, October 7th, in Anderson, SC.  Click HERE for more information and to register.

For this Saturday morning, we have updated our Next Steps site "Free Samples" section with a link to Shop4Freebies.com.  It is a great place to sign up for a variety of free stuff – if you don't mind increasing the quantity of e-mail and regular mail!

Check out the free samples link HERE.  You might just want to browse the entire "Budget Boosters" section while you are at it.  It is how me and my team have saved TONS of money!

The I Was Broke. Now I'm Not. Book Signing/Seminar is coming to Anderson, SC this coming Wednesday, October 7th – have you registered?

Participants will learn:

• How to prepare a written spending plan (budget) that actually works!
• Strategies for achieving debt freedom
• How to save money on nearly everything you buy – including groceries, restaurants, insurance, shopping on-line, entertainment, phone service, and many more!

Class Materials include:

• Seminar materials
• One signed copy of I Was Broke. Now I'm Not. per ticket (one per individual or household ticket)

Space is limited so REGISTER right away!

For those of you who are saving money on groceries by using COUPONS (if you are not – you should be!), Coupons.com provides FREE COUPONS HERE.

I have been saving anywhere from 35% – 85% off of my grocery bill by using coupons.  It is AMAZING, and it is helping my family be able to save money as we prepare to welcome Baby Sangl to the world in early February.  It is possible that my grocery bill will not change as we add another member to the family – I am so PUMPED!

There are still tickets available for the I Was Broke. Now I'm Not. Book Signing/Seminar in Anderson, SC.  It is one week from today.  Each ticket purchase will receive a signed copy of I Was Broke. Now I'm Not., seminar materials, PLUS will learn how to save money on groceries and nearly everything you buy – topics will include insurance, travel, groceries, restaurants, home and cell phone service, shopping, and more!  You can purchase tickets HERE.